12 Sandy Dr, Smithtown, NY 11787 Property Records

Suffolk County and Smithtown Town property record for 12 Sandy Dr, Smithtown, NY 11787

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,975 sqft · built 1966
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on Record
Last Sale	$640,000 (Jan 2022)
Tax Bill	$15,201 (2024)
Deeds & Mortgages	Aug 2026 Line of Credit Jul 2019 Refinance + 4 more
Flood Zone	Zone X (minimal risk)
APN	`473489 49.-3-17`

Property Details

APN / Parcel Number

Primary APN	`473489 49.-3-17`
Alternative APNs	`0800-049.00-03.00-017.000` `348904900000030170000000` `47340012427` `S15121`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,975 sqft Living Area
Gross Area	2,190 sqft
1st Floor Area	1,078 sqft
2nd Floor Area	897 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Colonial
Exterior Material	Wood
Lot Area	15,246 sqft (0.35 acres)
View / Lot	Suburban
Garage Type	Attached
Garage Area	215 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Connected
Water Source	Commercial

Location & Zoning

Account Number	S15121
Street Address	12 SANDY DR
City	SMITHTOWN
State	NY
Zip	11787-1318
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	18-711401 TC-66 *4365 LOT 121 SMITHTOWN HILLSIDE SEC 4
Legal Block	3
Legal Lot Number	17
Jurisdiction	SUFFOLK NY
Township / Civil Division	SMITHTOWN
Census Block Group	3
Census Block	3010
Census Tract	134906

Owner

Source: Suffolk County and Smithtown Town records, as of October 7, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	12 SANDY DR, SMITHTOWN, NY 11787-1318
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jul 15, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP
Feb 8, 2021	Deed of Trust, Mortgage · VA Mortgage FEDERAL SAVINGS BANK
Jan 28, 2022	Deed, Transfer · Stand-Alone First Mortgage HOME POINT FINANCIAL CORPORATION
Jun 14, 2019	Loan Modification, Mortgage · VA Mortgage FREEDOM MTG
Feb 28, 2018	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 28, 2022 · Amount on Record
Deed Sale	Jan 28, 2022 · Amount on Record
Prior Sale	Feb 28, 2018 · Amount on Record
Deed Book / Page	13140 / 552
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Recording Date	Aug 19, 2026
Property Address	12 SANDY DR, SMITHTOWN, NY 11787-1318
Document Number	2374000776
Book / Page	23745 / 776
Instrument Date	May 12, 2026
Transaction Type	Mortgage
Record Updated	Oct 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 SANDY DR, SMITHTOWN, NY 11787-1318

Mortgage

Document Number	2374000776,
Date	Aug 19, 2026
Book Page	23745/776

Lender

Name	CITIZENS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Max Rate	-1%

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	12 SANDY DR, SMITHTOWN, NY 11787-1318
Transaction Type	Mortgage
Record Updated	May 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230420076
Date	Jul 15, 2019
Book Page	23042/76

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	349 Months
Due	Aug 1, 2048

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUFFOLK NY
Property Address	12 SANDY DR, SMITHTOWN, NY 11787-1318
Transaction Type	Mortgage
Record Updated	May 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0232290547
Date	Feb 8, 2021
Book Page	23229/547
Instrument	DL053124

Lender

Name	FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	SUFFOLK NY
Recording Date	Jan 28, 2022
Property Address	12 SANDY DR, SMITHTOWN, NY 11787-1318
Document Number	0131400552
Book / Page	13140 / 552
Instrument Date	Dec 15, 2021
Transaction Type	Transfer
Record Updated	Jun 23, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	00DM061975
Date	Jan 28, 2022
Instrument	DM061975

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

June 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SUFFOLK NY
Property Address	12 SANDY DR, SMITHTOWN, NY 11787-1318
Document Number	0230530333
Instrument Date	Jun 14, 2019
Transaction Type	Mortgage
Record Updated	Sep 30, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 SANDY DR SMITHTOWN NY 117871318, SMITHTOWN, NY 11787-1318

Mortgage

Document Number	0230530333
Date	Aug 19, 2019
Book Page	023053/000333

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 18, 2049

Interest

Rate Type	Fixed Rate
Rate	4%

February 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	SUFFOLK NY
Recording Date	Feb 28, 2018
Property Address	12 SANDY DR, SMITHTOWN, NY 11787-1318
Document Number	0129510857
Book / Page	12951 / 857
Instrument Date	Jan 18, 2018
Transaction Type	Transfer
Record Updated	Aug 20, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 AVALON CIR, SMITHTOWN, NY 11787-3868

Tax Assessment & Valuation

Source: Suffolk County and Smithtown Town assessment roll, as of August 11, 2026

Property Jurisdictions

Type	Name
State	New York
County	Suffolk County
County Subdivision	Smithtown Town
Unified School District	Smithtown Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$5,875 (-) Land $375 Building $5,500	$734,375 (+10,774.8%) Land $46,875 Building $687,500
2024	$15,201.00
2023		$5,875 Land $375 Building $5,500	$6,753 Land $431 Building $6,322

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1982–2011)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Aug 2011 · Hurricane Irene

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 95% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SMITHTOWN WATER DISTRICT serves 19,635 people · EPA ID NY5105656
Water Source	Purchased groundwater from SUFFOLK COUNTY WATER AUTHORITY
Last State Inspection	Dec 2025
Lead	1 ppb (2025–2027) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 219 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300

May also be available: T-Mobile.

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